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Content Warning: This section of the guide includes discussion of addiction.
As she runs from the building, Rebecca bumps into Luke. When he asks why she’s at the headhunter’s office, she awkwardly explains that she’s thinking of switching careers. Luke invites her to go shopping with him at Harrods, and she can’t refuse. When she mentions that Elly left journalism for finance, Luke says Rebecca is more “interesting” than Elly, and she wonders what that means.
Luke is shopping for luggage, and Rebecca loves it, as she mostly buys clothes and makeup. Luke is stumped between two suitcases and wants Rebecca to choose. He chooses the one she secretly loves. She never says it out loud, but he can tell from her body language. They have good chemistry, and Rebecca has fun with him. After the shopping, he asks her to lunch. Luke says the suitcase is for his girlfriend, Sacha, and suddenly Rebecca is “sick with humiliation” (161) that she thought Luke liked her. She says Luke disrespected her by not telling her about Sacha and leaves the restaurant, though he pleads with her to stay. Rebecca receives a letter from Visa, stating that the payment she sent was insufficient, and a letter from the Bank of London offering her a loan.
When Rebecca arrives home, she finds that Suze has made 100 frames for her so that she can make a little money. The kind gesture helps Rebecca forget her awful day. In addition, Suze has also made her own original, creative frames. The next day at work, Phillip asks Rebecca to attend the Personal Finance Fair at Olympia. Rebecca knows she might run into Luke there and doesn’t want to go, but she agrees and plans to ignore him. She calls Elly and asks her to lunch, but Elly is too busy. Rebecca is bored with her work and feels lonely.
On Friday, Rebecca ignores a new pile of bills as she dresses for the fair. She loves attending these events because, as a member of the press, she gets free stuff. Elly is at the Wetherby’s table, and instead of talking to Rebecca as a friend, she delivers a sales pitch for their funds. Rebecca asks if they can hang out afterward, but Elly is going to look at flats. Elly says Rebecca should investigate buying, as “[r]eal life has to begin sometime!” (173).
Rebecca walks away, feeling lost and alone. She bumps into Luke, and after an awkward exchange, she tries to avoid him the rest of the day. She introduces herself to two strangers: Derek Smeath and Erica Parnell from Endwich Bank, who have been trying to contact her. At first, they don’t recognize her but uncomfortably laugh about all the antics people perform to get out of paying bills. Phillip shows up by surprise, and when he mentions that Rebecca lives in Fulham, where Derek and Erica’s branch is located, they recognize her. They request a meeting on Monday morning. Rebecca receives a “Final Reminder” from Octagon Financial Services Department stating that, despite her recent conversion to Christianity, she still owes £235.76.
On the train ride home, Rebecca considers all her options, including telling the truth, lying, and running away, each of which has negative consequences that she wishes to avoid. At home, Suze announces that Vogue will feature her frame designs. Rebecca is happy for her friend but secretly jealous that “everything happens so easily” (183) for Suze. Tarquin calls about their date, which Rebecca still plans to cancel. Suze has a copy of Harper’s and Queen, which features Luke in “the Hundred Richest Bachelors list” (184). According to the article, Luke is worth £10 million, and Sacha’s father is a French billionaire. Scanning the rest of the article, she discovers that Tarquin is number 15 on the list. Rebecca thinks she could try to fall for Tarquin, since he’s worth £18 million, and she begins fantasizing about her life as a wealthy heiress. The day of her date, she spends extra time getting ready. When Tarquin arrives, she tries to ignore that she’s not physically attracted to him and instead focuses on the money.
Tarquin picks up Rebecca for the date in a taxi and takes her for pizza. She’s disappointed that they’re not having an expensive dinner or taking a fancy car. Over the meal, she drinks too much champagne, trying to find any resolve to be attracted to Tarquin. Besides her not being physically attracted to him, they have no common interests. Tarquin mentions how nice she looked in her new scarf the last time he saw her, and she lies, saying her dead aunt gave it to her. Under the influence of alcohol, she continues lying, saying that her aunt set up a foundation to support violinists. Tarquin takes an interest and wants to donate. He writes a £5,000 check to Rebecca, and though she’s tempted to take it and settle all her debts, she can’t and tells him to tear it up.
Tarquin gives her a horse brooch, and she pretends to like it. He excuses himself to go to the restroom, and out of curiosity, Rebecca opens his checkbook. She looks up and finds him at the bar, staring at her. When he returns to the table, the mood shifts, and they leave. Rebecca worries that he saw her rifling through his checkbook. At home, Suze is waiting for her and has already spoken with Tarquin. He didn’t mention the checkbook but told her it was obvious that Rebecca didn’t like him. Suze is disappointed and asks Rebecca to reconsider, but Rebecca knows it won’t happen.
The novel juxtaposes Rebecca’s disastrous experience at the headhunter’s office with the impromptu shopping trip to Harrods with Luke. This contrast highlights both her emotional volatility and her shifting relationship to consumerism. Humiliated and shaken by the interview, Rebecca enters Harrods in a vulnerable state, primed for distraction and escape. The setting offers immediate sensory relief, but her interior monologue during the trip reveals a meaningful change. Shopping for Luke, rather than for herself, feels unexpectedly satisfying. She thinks, “[S]trangely enough, it’s almost more fun choosing for someone else than for yourself” (157). For the first time, her impulse for consumption isn’t driven by self-soothing or improving her image, but by attentiveness and generosity, allowing her to experience connection rather than compensation.
This moment reveals the possibility of a healthier relationship to both money and self-worth. The pleasure Rebecca feels from thoughtfulness suggests that she can find fulfillment from relational engagement rather than personal indulgence. However, this insight is fragile and incomplete. The absence of a clear budget and Luke’s casual attitude toward spending revive familiar patterns of fantasy and projection. Rebecca misreads the openness of the experience as emotional intimacy, allowing the shopping trip’s ease to stand in for romantic intention. The scene underscores how quickly Rebecca’s hope overrides her judgment. The luxury of Harrods and the apparent freedom from financial limits blur emotional and economic boundaries, preventing her from recognizing that Luke didn’t intend the outing as a date. While Rebecca is capable of growth, her tendency to conflate spending with connection and validation leaves her vulnerable to disappointment.
The Cycle of Compulsive Behavior and Shame continues to emerge as a theme when Rebecca abruptly runs from the lunch, overwhelmed by embarrassment and self-reproach. The moment exposes her instinctive response to a perceived failure to flee rather than confront. Instead of clarifying Luke’s intentions or sitting with her discomfort, Rebecca retreats, allowing shame to dictate her actions. This pattern mirrors her financial behavior throughout the novel. Just as she avoids bank statements and difficult conversations, she avoids emotional exposure, reinforcing the same cycle of impulse, misinterpretation, and withdrawal. Her struggles aren’t confined to money alone; the same shame-driven avoidance shapes her relationships, preventing growth and honest connection.
Rebecca’s friendships with Suze and Elly further expose her anxiety around Women’s Agency in Independence and Success, and this theme becomes particularly evident in how she measures her own progress against theirs. Suze’s life appears almost frictionless to Rebecca: She drifts from one interest to another, and her parents’ financial support insulates her from the consequences that haunt Rebecca’s daily life. Suze represents a version of adulthood that feels effortless and unattainable, compounding Rebecca’s fear that her choices are leading to failure rather than freedom.
Elly’s decision to leave journalism in search of a more lucrative and fulfilling career feels almost treacherous, as Rebecca clings to her job as proof of legitimacy and success. When Elly suggests that Rebecca buy a flat, the comment crystallizes Rebecca’s deeper insecurities about adulthood and stability: “I’m missing the gene which makes you grow up and buy a flat in Streatham and start visiting Homebase every weekend. Everyone’s moving on without me, into a world I don’t understand” (174). Her statement reveals how alienated she feels from traditional markers of success, such as homeownership and financial security. She fears that she’s fundamentally incapable of meeting societal expectations for womanhood. While Elly’s choice reflects agency and self-determination, Rebecca experiences it as abandonment of a shared path and a reminder of her own stagnation. Thus, her contrasting friendships with Elly and Suze illustrate how Rebecca’s struggle extends beyond the pressure to conform to narrow definitions of success, exposing the shame that arises when she feels that she has already fallen behind.
Rebecca’s date with Tarquin further develops the theme of Consumerism as a Substitute for Self-Worth and marks a significant low point in her character arc. Her interest in Tarquin is almost entirely transactional, driven by his money. Wealth is reassurance; proximity to it allows Rebecca to imagine stability and rescue without confronting her own financial failures. In this sense, the date begins as an extension of her consumer logic, in which she visualizes acquiring rather than building status and security. The dynamic shifts when Tarquin plans a modest, understated date that prioritizes conversation over display. Rather than feeling relieved, Rebecca becomes unsettled. His lack of extravagance disrupts her expectations and exposes how closely she equates value with visible spending. Instead of appreciating the gesture’s sincerity, she interprets its simplicity as a missed opportunity, reinforcing how deeply her self-worth is tied to financial spectacle. Her response reveals that she’s less prepared for genuine connection than for symbolic displays of wealth.
This discomfort escalates into deception and moral compromise when Rebecca lies to Tarquin about her aunt and seriously considers stealing £5,000 from him. The moment is striking not only for its ethical implications but also for what it reveals about her desperation. Facing the possibility of relief from her debt, Rebecca considers sacrificing honesty and integrity, demonstrating how thoroughly consumerism has distorted her sense of self and judgment. The date is thus a turning point, exposing the emotional and moral costs of defining worth by money rather than by character or connection.



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